5309 MONTEGO DRIVE, ZEPHYRHILLS, FL, 33541
Active6 days on marketListed Aug 29, 2026MLS #TB8543655
About this home
5309 MONTEGO DRIVE
Florida Lifestyle Living in a Well-Established Community! Come enjoy the easy Florida lifestyle in this well-maintained 2-bedroom, 1 full-bath home with an additional half bath. The split-bedroom floor plan offers privacy and a comfortable layout for everyday living. The updated kitchen features plenty of workspace and an eat-in area, making it a great spot for morning coffee or casual meals. Just off the main living area is an enclosed porch that provides additional space to relax, entertain, or simply enjoy a quiet morning. The home also offers a convenient laundry and storage area, along with an additional shed/workshop located in the rear of the property. The workshop provides excellent space for projects, hobbies, tools, or extra storage. The pet-friendly community offers wonderful amenities, including a heated community pool, clubhouse, and shuffleboard courts, creating plenty of opportunities to stay active and enjoy time with neighbors and friends. Located conveniently near shopping, medical facilities, restaurants, and dining, this home offers both comfort and convenience in a welcoming Florida community. Whether you’re looking for a full-time residence, seasonal home, or a place to enjoy a more relaxed pace of living, this property is ready for you to make it your own.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
784
Sqft
0.09 ac
Lot size
1983
Year built
One
Levels
$153
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$1,098 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,098/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−3.2%
$/sqft vs Zephyrhills actives
$153 vs $172
Days on market
6 vs 49 typical
Where $153/sqft sits among the 400 Zephyrhills actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Oaks Royal
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Oaks Royal — neighborhood snapshot
Population
522
Median age
57
Median income
$39,655
Median home value
$50,000
Avg household
2
Households w/ children
53%
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Zephyrhills market
$331K → $342K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
227 of 400
Zephyrhills actives have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 64% below the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 5309 MONTEGO DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$66,000
5313 AURORA DRIVE · same community
2 bd · 1.5 ba · 672 sqft · $98/sqft · 65 DOM
Sold · May ’26$60,000
36416 CORDOVA CIRCLE · same community
2 bd · 1 ba · 672 sqft · $89/sqft · 60 DOM
Sold · Jun ’26$139,000
5323 SEVILLE DRIVE · same community
2 bd · 2 ba · 960 sqft · $145/sqft · 18 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Erwin Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5309 MONTEGO DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5309 MONTEGO DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5309 MONTEGO DRIVE FAQs
What would the monthly payment be for 5309 MONTEGO DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,098/mo — principal and interest, the actual property-tax bill, the $38/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 5309 MONTEGO DRIVE?+
The association fee works out to $38 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5309 MONTEGO DRIVE?+
The most recent tax bill on record (2025) was $1,696. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 5309 MONTEGO DRIVE?+
The listing reports pets: Size Limit, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Zephyrhills?+
At $119,900, this home is listed about 62% below the Zephyrhills median of $319,700. The market section on this page shows how the area is trending.
Which schools are assigned to 5309 MONTEGO DRIVE?+
West Zephyrhills Elementary School (elementary), Raymond B. Stewart Middle School (middle), Zephyrhills High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BREWER REALTY · Christy Brewer. MLS #TB8543655.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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